Zinn Insurance Blog | Monique Zinn – 2016 Open Enrollment for Individuals and Seniors
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Health Insurance, Life Events, Medicare & Medicade - Written by on Tuesday, July 12, 2016 22:52 - 0 Comments

2016 Open Enrollment for Individuals and Seniors

We’re already over half way through 2016 and so we want to remind you of Open Enrollment! For individuals and families, you’ll have from November 2016 through January 2017 to enroll. To enroll in Medicare, you have to apply between October 15th and December 7th, 2016.

Of course, there are exceptions to this enrollment period if you have a “Life Qualifying Event”. For instance, if you have a loss of job, a new job, a baby (or adoption), moved to a different state, or got married, you can enroll at any time. If these do not apply to you, then open enrollment is the time that you can enroll. The table below explains how the date you’ve enrolled corresponds to the date of your coverage.

OPEN ENROLLMENT – 11/1/2016-1/31/2017 – the time of year that anyone can apply

When Enrollment Selection is Received Date Coverage Begins
November 1st, 2016 – December 15th, 2016 January 1st, 2017
December 16th, 2016 – January 15th, 2017 February 1st, 2017
January 16th, 2017 – January 31st, 2017 March 1st, 2017

* Open Enrollment Effective Date is dependent upon timely receipt of premium due. We must receive all premium before the coverage can be effective. Coverage can only be effective on the first day of the month.

SPECIAL ENROLLMENT – when you can apply for coverage during a “Life Event”

Event Enrollment Period Application Received Effective Date**
Loss of minimum essential coverage (does not include failure to pay premium) Within 60 days before or after loss of coverage Within 60 days before or after loss of coverage 1st day of the month following receipt of the application
New dependent such as: birth adoption, or placement for adoption Within 60 days following the event Within 60 days following the event Date of Event
Permanent move from another state Within 60 days following the move Day 1-15 of month 1stday of the month following receipt of the application
Marriage Within 60 days following the event Within 60 days following the event 1st day of the month following receipt of the application

** Special Enrollment Effective Date is dependent upon timely receipt of premium due. We must receive all premium before the last day of the Enrollment Period. Coverage can only be effective on the first day of the month, unless a “New dependent.



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